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Accounts for every need. Great rates for every budget.

Whatever your financial goals, Liberty Bank wants to see you succeed. It’s why we offer better rates for savers and lower rates for borrowers. And we help you take control of your finances and plan for the future with confidence. Interest rates displayed on this page are current. Use the toggle to switch between personal and business accounts.

Disclosures

Rates are effective as of February 14, 2018.

The Interest Rate and Annual Percentage Yield (APY) are as of the effective date and are subject to change without notice. Fees may reduce earnings. Minimum to open Club Savings is $5. Minimum to open Cinch Savings or Savings Overdraft Protection is $25.

Disclosures

Rates are effective as of February 14, 2018.

The Interest Rate and Annual Percentage Yield (APY) are as of the Effective Date and are subject to change without notice. The stated yield for CDs less than one year assumes the reinvestment of principal and interest at the same rate, although that rate may not be available upon renewal. Fees and other conditions could reduce earnings. CDs are subject to a penalty for early withdrawal. Minimum to open a CD is $500 and the minimum required to earn APY is $500.

Not available for funds currently on deposit with Liberty Bank, IRAs, or municipal deposits. Consumer accounts only. Limit one account per customer. Account fees may reduce earnings. Promotional rate is subject to change without notice and may be withdrawn at any time.

Checking Rates

Disclosures

Rates are effective as of February 14, 2018.

The Interest Rate and Annual Percentage Yield (APY) are as of the Effective Date and are subject to change without notice. Fees may reduce earnings. Minimum to open is $100. If at any time during the statement period your balance falls below the Required Minimum Daily Balance, you will be assessed a Monthly Maintenance Service Charge of $5.

Disclosures

Rates effective as of:

1. Annual Percentage Rate (APR) and rates posted are indications only, are subject to change without notice and qualification is subject to credit approval.
Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan.

First mortgage rates require a Liberty Bank checking account or pre-authorized payment from a non-Liberty Bank account for Borrower's who do not reside in Liberty Bank's assessment area, otherwise add .25%.

Disclosures

As of 12/14/2017 Prime Rate is 4.50%

Annual Percentage Rate (APR) is a variable rate and will be based on the “Wall Street Journal’s” Prime plus 125 basis points. As of 12/14/2017, Prime Rate is 4.50% and the APR is 5.75%. Maximum APR that will apply during the life of this line is 18.00%; Minimum APR is 3.00%. The minimum line amount is $10,000, maximum is $24,999. Annual fee of $50.00 due each year of the Draw Period beginning with the 12th billing cycle. The maximum combined (existing mortgage loan balances plus Home Equity Credit Line limit) loan-to-value ratio (“LTV”) is 80% of market value if total liens do not exceed $1,000,000 and the property is mortgage free or has a first mortgage held by Liberty. Contact your local Liberty Bank branch office for additional LTV limits that are applicable if total liens exceed $1,000,000, if Liberty Bank is in second lien position, or if the property is a second home. Offer for 1-4 family, owner-occupied Connecticut residences that are not currently listed for sale and have not been listed in the previous 90 days. A one-time $500 early termination fee may be assessed if you close your account within the first two years. Consult your tax advisor regarding deductibility. Homeowners insurance required. Flood insurance may be required. Trust fees may apply. Offer subject to change without notice. All loans are subject to credit and underwriting approval.

Annual Percentage Rate (APR) is a variable rate and will be based on the “Wall Street Journal’s” Prime Rate minus 50 basis points. As of 12/14/2017, Prime Rate is 4.50% and the APR is 4.00%. Maximum APR that will apply during the life of this line is 18.00%; Minimum APR is 3.00%. The minimum line amount is $25,000, maximum is $500,000. Annual fee of $50.00 due each year of the Draw Period beginning with the 12th billing cycle. The APR listed above includes an Autopay feature which represents a .25% interest rate discount for automatic deduction from a Liberty Bank account. The maximum combined (existing mortgage loan balances plus Home Equity Credit Line limit) loan-to-value ratio (“LTV”) is 80% of market value if total liens do not exceed $1,000,000 and the property is mortgage free or has a first mortgage held by Liberty. Contact your local Liberty Bank branch office for additional LTV limits that are applicable if total liens exceed $1,000,000, if Liberty Bank is in second lien position, or if the property is a second home. Offer for 1-4 family, owner-occupied Connecticut residences that are not currently listed for sale and have not been listed in the previous 90 days. A one-time $500 early termination fee may be assessed if you close your account within the first two years. Consult your tax advisor regarding deductibility. Homeowners insurance required. Flood insurance may be required. Trust fees may apply. Offer subject to change without notice. All loans are subject to credit and underwriting approval.

Not available to existing Liberty Bank Home Equity Line customers, unless the current Liberty home equity is within 24 months of the end of the draw period. Promotional Annual Percentage Rate (APR) of 2.74% is fixed for the first 12 full billing cycles. After fixed rate promotional period, the APR is a variable rate based on the Wall Street Journal’s Prime Rate minus .50%. As of 12/14/2017, Prime Rate is 4.50% with an APR of 4.00%. The minimum APR for the life of this line, after the first 12 full billing cycles is 3.00%; maximum is 18%. The APR includes a .25% Autopay interest rate discount requiring automatic deduction from a Liberty Bank account. Minimum line is $50,000; the maximum is $500,000. Annual fee of $50 due each year of the draw period beginning with the 12th billing cycle. The maximum combined (existing mortgage loan balances plus Home Equity Credit Line limit) loan-to-value ratio (“LTV”) is 80% of market value if total liens do not exceed $1,000,000 and the property is mortgage free or has a first mortgage held by Liberty. Contact your local Liberty Bank branch office for additional LTV limits that are applicable if total liens exceed $1,000,000, if Liberty Bank is in second lien position, or if the property is a second home. Offer for 1-4 family, owner-occupied Connecticut residences that are not currently listed for sale and have not been listed in the previous 90 days. A one-time $500 early termination fee will be assessed if you close your account within the first two years. Consult your tax advisor regarding deductibility. Homeowners insurance required. Flood insurance may be required. Trust fees may apply. Offer subject to change without notice. All loans are subject to credit and underwriting approval.

Business Certificates of Deposit Rates

Disclosures

Rates are effective as of February 14, 2018.

The Interest Rate and Annual Percentage Yield (APY) are as of the Effective Date and are subject to change without notice. The stated yield for Business CDs less than one year assumes the reinvestment of principal and interest at the same rate, although that rate may not be available upon renewal. Fees and other conditions could reduce earnings. Business CDs are subject to a penalty for early withdrawal. Minimum to open a 6 Month and 1 Year Business CD is $5,000 and the minimum required to earn APY is $5,000. The minimum to open a 3 Month Business CD is $500 and the minimum required to earn APY is $500.

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